How Much Can Pet and Pet Supplies Stores Businesses Get in SBA Loans?
2,812 SBA loans totaling $726.1M have been approved for pet and pet supplies stores businesses (NAICS 453910). The average approved SBA loan is $258K, which is 24% below avg the $340K national average. 542 active lenders fund this industry with a 23.1% default rate on the matured 2018-2021 loan cohort.
At 23.1%, Pet and Pet Supplies Stores sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 453910 (Pet and Pet Supplies Stores) received 2,812 SBA loans worth $726.1M across 5+ states. Average loan $258K, average term 107 months, 23.1% default rate (resolved-loan basis).542 active SBA-approved lenders fund this industry. Most pet and pet supplies stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Pet and Pet Supplies Stores?-80% decline
Which SBA Program Do Pet and Pet Supplies Stores Businesses Use Most?
What Is the Best SBA Loan for Pet and Pet Supplies Stores?
The most widely used SBA program for pet and pet supplies stores businesses — flexible terms, multiple use cases
Where Are Pet and Pet Supplies Stores SBA Loans Most Common?
Top SBA Lenders for Pet and Pet Supplies Stores
These banks have funded the most SBA loans for pet and pet supplies stores businesses (NAICS 453910). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 163 | $43.4M |
| 2 | U.S. Bank, National Association(OH) | 141 | $30.7M |
| 3 | Bank of America, National Association(NC) | 125 | $8.8M |
| 4 | The Huntington National Bank(OH) | 114 | $23.0M |
| 5 | PNC Bank, National Association(DE) | 107 | $11.2M |
Ready to Fund Your Pet and Pet Supplies Stores Business?
PeerSense places SBA loans for pet and pet supplies stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Pet and Pet Supplies Stores Businesses?
Across all SBA loan programs, 2,812 loans have been approved for businesses classified under NAICS 453910 (Pet and Pet Supplies Stores), representing $726.1M in total capital deployed. The average approved loan of $258K is 24% below avg the national SBA average of $340K, with typical repayment terms of 107 months.
SBA lending for pet and pet supplies stores has contracted approximately 80% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 542 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for pet and pet supplies stores uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching pet and pet supplies stores business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Pet and Pet Supplies Stores SBA Loans
What is the average SBA loan size for pet and pet supplies stores businesses?
Which SBA loan program is best for a pet and pet supplies stores business?
How many lenders fund SBA loans for pet and pet supplies stores?
What states have the most SBA lending for pet and pet supplies stores?
How does PeerSense help pet and pet supplies stores businesses get SBA loans?
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All Other General Merchandise Stores
Other Direct Selling Establishments
Data aggregated from SBA loan records (1992–2025). Pet and Pet Supplies Stores defined by NAICS code 453910. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.